摘要
"政府引导、市场运作"是近年来我国政策性农业保险推行的基本原则。尽管这种安排有助于发挥政府和市场两方面的力量,但是却赋予了地方政府对农业保险市场过大的干预权限。江苏淮安市农业保险市场的案例表明,政府的干预会导致寻租竞争现象的产生,最终损害农业保险的运行效率。为完善农业保险市场运作机制,我国可借鉴美国的经验,统筹农业保险监管职能,合理约束地方政府权限,完善基础数据信息,建立服务评价机制。
Government promotion ＋ market-oriented operation has been considered as basic principles in developing agriculture insurance in China. While this model helps to mobilize the forces of government and the market, it leads to local governments＇ undue intervention in the agriculture insurance market. The case study on Huaian city in Jian- gsu province showed that local government＇ s intervention could cause rent-seeking behaviors among insurers and hinder the efficiency of agriculture insurance market. The experiences of the United States can be borrowed to con- solidate the regulation functions on agriculture insurance market, properly rein in the power of local governments, complete the fundamental data, and establish the service appraisal mechanism.
出处
《保险研究》
CSSCI
北大核心
2014年第8期36-41,共6页
Insurance Studies
关键词
农业保险
政府干预
寻租
市场运作
agriculture insurance
government intervention
rent-seeking
market competition
